El Cajon Insurance Rates:

El Cajon, CA home insurance is approximately $527 to $714, about $43-$59/month. Our comprehensive guide indicates shoppers can save as much as $248 by comparing many quotes

Compare Quotes from Top Providers and Save now!

El Cajon, California Homeowners share details on the best home insurance providers. You too can compare from the same companies & get a great deal.

El Cajon Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $50/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1330 sqft Vacation Property Constructed In 1965 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $900/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $535,000

5 Beds, 5 Baths 2690 sqft Primary Residence Constructed In 1979 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $110/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 940 sqft Rental Property Constructed In 1980 with Stone Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

2 Beds, 2 Bath 1590 sqft Seasonal Residence Constructed In 1971 with Wood Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $180/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

2 Beds, 2 Bath 1120 sqft Seasonal Residence Constructed In 1961 with Ceramic Tile Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Female who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $430/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1180 sqft Primary Residence Constructed In 1996 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $270/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

2 Beds, 2 Bath 1300 sqft Rental Property Constructed In 1962 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $580/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $335,000

3 Beds, 3 Bath 2060 sqft Vacation Property Constructed In 1982 with Stone Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1120/12 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Baths 1462 sqft Rental Property Constructed In 1969 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

El Cajon, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92019 $427,400 $640
92020 $396,500 $640
92021 $319,900 $630

El Cajon Rates & Quotes Analysis:

El Cajon Area Estimated House Insurance
Powell Dr, Longview Way, Finch St, Flint St, Sarah Ct, Alegre Rd, Cora Mae Pl, Rockcrest Ln, Decker St, Atlas View Dr$643
Marble St, Brown Croft Way, Tucson St, Aurora Dr, Mesa View Rd, Airport Dr, Karen Way, Fanita Rancho Rd, Bushy Hill Dr, Bathurst Pl$602
Yerba Verde Dr, Bridanella Trl, Raymond St, Lawndale Rd, Lostinda St, Candlewood Ln, Cimbria Way, Burgasia Path, Colinas Corte, Lomita Rd$658
Meadow Rd, Falmouth Dr, Windridge Dr, Chatsbury St, Eagle Ln, Five Point Ln, Roberta Ave, Joplin Dr, Kyle Pl, Pepperwood Dr$618
Saddleview Ct, Cll Encanto, Diamond Ln, Wedgemere Rd, Pso Bello, Emerald Ave, Sky Rim Dr, Rocket Ridge Rd, Lucy Ln, N 1st St$615
Calle Lucia Ter, Young St, Hale Ct, Verdin St, Gull Pl, Melva Rd, N Westwind Dr, S Gina Ave, Blackthorne Ave, Camillo Way$624
Matterhorn Dr, Lamplite Ln, Richandave Ave, Doncarol Ave, Rockwood Rd, Burnaby St, Jackson Heights Dr, Piping Rock Ln, Wellington Hill Dr, Gray Dr$621
Forester Creek Rd, Farview Ct, Cll Rosado, Rockcrest Rd, Wagner Dr, Merritt Ln, Lisa Ter, Via Diego Ln, la Rochi Way, Heartland Ln$618
Via del Luz, Rosada Way, Topper Ln, Clare Ln, Sandos St, Sterling Hill Ln, Oakdale Ln, Sneezy Ct, Naranca Ave, Saddle Rock Rd$614
el Dorado Pkwy, Bermuda Ln, Dunsmuir St, Marline Ave, Ave Marco, Chase Ln, Chevy Ln, Brayton Way, Travelodge Dr, Melrose Ln$619

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,901 Homes (19% of total homes ) built between 1960 to 1969 in El Cajon are paying home insurance between $1,087-$1,096. Places close to El Cajon, CA such as Casa de Oro-Mount Helix, Granite Hills, Rancho San Diego are more expensive by $61, $48, $43 respectively while Bostonia and Lemon Grove are cheaper by $13 and $12 respectively for similar homes.
  • Bedrooms: 13,205 2 bedrooms homes (38% of total homes ) in El Cajon are paying about $187 and differs from Casa de Oro-Mount Helix (+$10), Granite Hills (+$8), Rancho San Diego (+$7), Winter Gardens (-$8) and La Mesa (-$5).
  • Auto Insurance Bundling: 4,036 Households (30% of all households) in El Cajon have 3 or more vehicles available and when it is bundled with home insurance you can save $155. Discounts for similar bundling in close by locations such as Bostonia, Casa de Oro-Mount Helix, Winter Gardens come to $153, $164, $153 respectively.
  • Senior Discounts: 6,554 seniors (more than 55 years) occupied housing units (49% of total) in El Cajon get discounts between $92 to $95 compared to Bostonia ($92), Casa de Oro-Mount Helix ($98), Granite Hills ($97).
  • New Homes discounts: New homes such as the 10,105 homes built between 2000 to 2009 in El Cajon can save $124 and differs from Bostonia ($122), Casa de Oro-Mount Helix ($131), Winter Gardens ($122).

El Cajon Homeowners insurance Facts

  • El Cajon, CA has 13,153 owner occupied houses which is 40.5% of all units whereas Bostonia, Casa de Oro-Mount Helix and Winter Gardens have 43.87%, 73.88% and 57.06% respectively.
  • El Cajon, CA homeowners yearly insurance price at $621 is 0.19% of the typical house value of $333,400 which is in contrast with 0.21% in Bostonia, 0.12% at Casa de Oro-Mount Helix & 0.21% in Winter Gardens.
  • Homeowners in El Cajon, CA pay 1.66% of their income ($35,000 to $39,999) in insurance whereas homeowners in Bostonia, Casa de Oro-Mount Helix and Winter Gardens pay 1.64%, 1.75% and 1.64% respectively.
  • El Cajon, CA’s insurance is 2.4% of monthly housing costs of $2,119/month, for owners with a mortgage compared to 2.6% in Bostonia, 1.88% at Casa de Oro-Mount Helix & 2.53% in Winter Gardens. But, for households without a mortgage, insurance is 12.0% of costs ($431 in El Cajon, CA) in contrast with 9.82% in Bostonia, 10.93% at Casa de Oro-Mount Helix & 10.07% in Winter Gardens.

El Cajon, CA Home Values & Insurance rates

For example, insurance for 320 Homes (3.0% of total homes ) valued between $150,000 to $174,999 in El Cajon, CA is about $298. Rates in nearby areas in such as Casa de Oro-Mount Helix, Granite Hills, Rancho San Diego are cheaper by $108, $91, $85 respectively while Bostonia and Winter Gardens are costlier by $45 and $39 respectively for similar homes.

El Cajon, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,190 13.0% $43
$50,000 to $59,999 119 1.0% $93
$70,000 to $79,999 114 1.0% $136
$90,000 to $99,999 123 1.0% $173
$100,000 to $124,999 301 3.0% $198
$125,000 to $149,999 295 3.0% $254
$150,000 to $174,999 320 3.0% $298
$175,000 to $199,999 112 1.0% $347
$200,000 to $249,999 1,163 13.0% $416
$250,000 to $299,999 1,631 18.0% $509
$300,000 to $399,999 3,216 36.0% $645

Renters Insurance in El Cajon

  • Average Renters Insurance in El Cajon :  $155($12/month)

  • Median Gross Rent in El Cajon :  $1,078

  • El Cajon Renters Insurance to Median Rent Ratio:  1.11%

  • Average household size of renter-occupied unit :  3.13

El Cajon Renters Insurance as a Percentage of Rent

El Cajon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 292 1.0% $788
$300 to $499 520 2.0% $1238
$500 to $749 1,141 5.0% $1913
$750 to $999 5,701 29.0% $2663
$1,000 to $1,499 8,356 43.0% $3788
$1,500 or more 2,984 15.0% $5438

Rent Affordability in El Cajon:

Approximately 54.0% (10,538) of households are spending more than 35% of their income on gross rent in El Cajon

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 964 4.0%
15.0 to 19.9 percent 1,631 8.0%
20.0 to 24.9 percent 2,302 11.0%
25.0 to 29.9 percent 1,991 10.0%
30.0 to 34.9 percent 1,862 9.0%
35.0 percent or more 10,538 54.0%

El Cajon Renters Insurance Discounts:

El Cajon Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in El Cajon, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,415 48.0% $15.5
2 vehicles available 5,561 28.0% $23.25
3 or more vehicles available 1,621 8.0% $31.0

El Cajon Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,411 7.0% $107
60 to 64 years 927 4.0% $86
65 to 74 years 1,241 6.0% $70
75 years and over 1,012 5.0% $53

Protective device discount in El Cajon Up to :  $23

Claims-free discount in El Cajon Up to :  $31